Large Group Plans

We've got health coverage for businesses with 100 employees or more. From a choice of different product types to a plethora of value-added services, employers can build a comprehensive health benefits package that works for their valued employees.

For big businesses who want the best

Preferred-Care Blue PPO

The freedom of choice. With Preferred-Care Blue PPO, employees can access a broad network of healthcare providers and choose their deductible and level of benefits.

The freedom of choice. With Preferred-Care Blue PPO, employees can access a broad network of healthcare providers and choose their deductible and level of benefits.

Choose the deductible and level of benefits that match your budget and healthcare needs

Employees have the freedom to choose their own doctors and hospitals from our extensive local and nationwide network of healthcare providers

Employees can see in-network or out-of-network providers

Blue-Care® HMO

A healthcare quarterback. This plan allows employees to choose a Primary Care Physician (PCP) who will coordinate their medical care and be a champion for their health.

A healthcare quarterback. This plan allows employees to choose a Primary Care Physician (PCP) who will coordinate their medical care and be a champion for their health.

No referrals are required for employees to see an in-network specialist and there is no deductible

Personal Blue HRA

Employers reimburse employees. This high-deductible plan features a Health Reimbursement Arrangement (HRA) funded by the employer.

Employers reimburse employees. This high-deductible plan features a Health Reimbursement Arrangement (HRA) funded by the employer.

Employer-funded: the HRA is funded by the employer

Employee-managed: employees use money from their HRA to pay for eligible medical expenses

Rollover of funds: employees can roll over unused HRA funds each year, and employers can limit the rollover amount to help manage costs

Employee responsibility: if employee and dependents eligible healthcare expenses exceed funds available in their HRAs during the plan year, they will pay for medical expenses until their deductible is met

Plan coverage: HRA funds are exhausted first, then an employee will meet his or her deductible, then employee is responsible for coinsurance if applicable, the PersonalBlue PPO health insurance plan will cover any additional medical expenses for that plan year

Lower premiums wanted. This high-deductible health plan has lower premiums and can be paired with a Health Savings Account (HSA) which provides tax-savings benefits.

Lower premiums wanted. This high-deductible health plan has lower premiums and can be paired with a Health Savings Account (HSA) which provides tax-savings benefits.

Employer contributions: employers may choose to contribute to employees' HSAs

Pre-tax savings: employees can have part of their pre-tax earnings deposited into an HSA and can use their HSA money to pay for qualified medical expenses

Funding options: employees can use savings, employer contributions or individual contributions to fund their HSA

Health plan coverage: once an employee meets the deductible for covered healthcare expenses, BlueSaver begins paying some or all additional healthcare expenses employees incur during that plan year, depending on the plan design

HSA resources: learn more about the tax benefits of a Health Savings Account

Preventive Care: In-network, routine preventive care services are covered at 100% (deductible does not need to be met first)

Spira Care

Quality care at a lower cost with a simplified experience. Spira Care is built on an Exclusive Provider Organization (EPO) insurance model and developed in partnership with a leading regional healthcare provider.

Quality care at a lower cost with a simplified experience. Spira Care is built on an Exclusive Provider Organization (EPO) insurance model and developed in partnership with a leading regional healthcare provider.

All primary care appointments and procedures at Spira Care Centers are 100% covered.

Spira Care Centers are staffed with Care Guides to help your employees navigate the healthcare system.

For other medical needs like specialty care or hospitalization, Spira Care works much like a traditional health plan with an annual deductible.

Members can see more than 3,000 physicians and specialists at over 11,000 access points in the BlueSelect Plus network.

Employees Value High-Value Pharmacy Benefits.

Blue KC is committed to providing your employees high-quality, affordable health coverage. What's more, we've found that by offering integrated medical and pharmacy benefits, we can do a better job of managing your employees' health.

Working together with our pharmacy benefit manager, Express Scripts, Inc., we've created a high-value pharmacy program that delivers better outcomes and lower costs. And because prescriptions are a vital part of most members’ lives, most every Blue KC plan comes with pharmacy benefits.

FULLY INSURED

MAXIMUM REFUND

Allows you to receive a refund at the end of the contract year for a portion of the paid premium if your claims experience is lower than projected.

If claims experience is higher than projected, Blue KC absorbs the loss.

Premium Reserve Account (PCA Retro)

A reserve fund of 10% of the annual premium is established from any surpluses in the health plan.

The reserve account is held by Blue KC to offset against future costs.

Any surplus over the 10% reserve is paid to you.

Should you cancel your health plan, you would receive any amount held in the reserve account.

Contingent Premium

Allows you to pay a reduced portion of the insured premium.

At the end of the contract year, if the reduced premium covers net claims plus expenses, you are not liable for any additional premium.

If reduced premium does not cover net claims plus expenses, you are required to pay for any shortfall up to the amount of the full premium.

If the costs exceed the amount of the full premium, Blue KC absorbs the loss.

Cost Plus

Provides you with the opportunity for your payment obligations to be based on claims-related costs.

There are two payment components: a fixed cost component payable at the beginning of the month which includes service fees and premiums for specific and aggregate pooling coverage, and a claims and network access fees component payable after the end of the month.

The aggregate pooling coverage protects against unexpectedly high aggregate claims costs, and the specific pooling coverage protects against shock claims on individual members.

Administrative Services Only (ASO)

Employees can check their claims, update personal information, and obtain provider information via a secure website. They can also enroll online via BluesEnroll.

A dedicated ASO representative will meet with you regularly, and you'll receive regular electronic reports on utilization, claims accounting, network savings, and more.

Value Added Services for Large Group Plans

With added perks like personalized health and wellness programs, member discounts and online services, Blue KC members can live life to the fullest.

CONDITION MANAGEMENT

Staffed by nurses, the Healthy Companion™ program supports members and dependents living with these chronic conditions: asthma, COPD, heart failure, diabetes, heart disease, high blood pressure, metabolic syndrome and stress/anxiety or depression.

A HEALTHIER YOU

A Healthier You is a program that puts individuals in control of their health and well-being through personal health screenings, health risk assessments and self-directed lifestyle programs. It comes with a free online health portal and mobile app that puts actionable health information in peoples' hands.

PREGNANCY

The Little Stars® prenatal program provides expectant mothers with educational materials and support from a prenatal care advisor for healthy moms-to-be.

DISCOUNTS

Living healthy has its rewards. With Blue365®, members are eligible for local and national deals – including a gym membership for just $25 a month, 20% off at Reebok.com and 25% off Polar Heart Rate Monitors. Find even more deals at Blue365deals.com!

ONLINE SERVICES

Members can go online and search for the closest provider. Check a claim status. Review eligibility and benefits. And pay their premiums in a click.

BEHAVIORAL HEALTH

We're here to help members and dependents find appropriate care for stress, anxiety, depression, alcohol or substance abuse, or other behavioral health conditions.

Ready to Start the Enrollment Process?

We look forward to helping you choose the right health insurance coverage for your company and employees. What’s more, we look forward to being a trusted partner. Welcome to your local Blues family.